Demystifying Commercial Financing: Simple Solutions for Commercial Developers

1. Less Is More: Deliver the Right Information

   You might think sending everything to a lender is helpful. It’s not. Focus on delivering the right of information—the essentials that matter most:

• Core financials

• Your personal experience and financial strength

• Supporting market data

• A simple, clear business plan

Avoid flooding lenders with irrelevant details. Stick to what counts, and you’ll get faster results.

2. Get to “No” Fast

   Here’s a game-changer: push to get a quick “no.” It sounds counterintuitive, but it saves time. Many lenders simply can’t fund your deal—and that’s okay. The sooner you know, the sooner you can move on to the right lender. Don’t waste time on false hope—be direct, ask hard questions, and move fast.

3. Create a Central Q&A Document

   Lenders ask a lot of questions—and many of them overlap. Simplify the process by creating a single, central Q&A document. Every time a question comes up, write it down once with a clear, polished answer. Share this document with all groups, and you’ll eliminate redundancy.

4. Leverage Existing Databases

   Save yourself time and headaches. Partner with firms that have already done the hard work of vetting capital sources. A reputable commercial debt and equity advisory group (like ours) can streamline the entire process, putting vetted options at your fingertips.

5. Multiply Your Capacity: Leverage People

   You’ve heard the saying, “I wish I had more hours in the day.” Well, you can. By leveraging other people’s time and expertise, you double or triple your capacity. For every person you bring in to help with financing, you multiply your ability to get the job done. Don’t try to do it all yourself.

6. Build It Once, Use It Often

   Think long-term. Documents like your resume, bios, and Personal Financial Statements can be created once and reused for future deals. Sure, you might need to tweak them, but putting together a solid, organized data room now will save you time down the line.

7. Make It Read-Worthy: Wow Them

   Want to get your project to the top of the pile? Make sure there’s no “pile” at all. Create a powerful, professionally narrated video package that tells your story and makes your deal stand out. Remember: lenders are people, too. They have emotions and want to be wowed. A compelling video can make all the difference. (Need help? Shameless plug: our team can do this for you.)

8. Go Before: Listen and Learn

   Save yourself time by having a conversation before sending your package. Talk to capital groups about their interests, needs, and best practices. Tailoring your pitch to what they’re looking for could be the difference between a pass and a yes.

Let’s Simplify This Together

Commercial financing doesn’t have to be complicated—you just need the right approach and the right partners. If you’re ready to get your loan funded or need further clarity on these steps, let’s connect.

Reach out to David Kotter:
602.367.8795 dave.kotter@integrity-capital.com

Let’s get it done—together.